Saturday, September 29, 2012

PTPTN 20% off?Will you pay it?A simple calculation show if we make use of cash to do proper investment instead of a lump sum pay off to government, we are actually earning money, because PTPTN interest is too low! even inflation exceed the rate!

Calculation show by simply get a return of 5% from investment, you are actually can break even on year 12..6% return and break even on year 97% return and break even on year 78% return and break even on year 69% return and break even on year 510% return and break even on year 4

Now thinking back again, will you pay? Plus we still have a chance which not need to pay, if OPPOSITE PARTY win the coming GE.. hee hee~

Maybe we should consider the depreciation of the money as well if we pay the loan by installment. We all know the future RM193.36 is not worth current RM193.36 anymore, maybe just half of it or quarter of it only.

Then the calculation will become very complicated. Maybe it is a good exercise for us to have some brain storming. :p

So as a conclusion, I'm still thinking we should pay minimum according to PTPTN's requirement and use smart of the money to park at somewhere else. Unless you cannot find the right place to park.

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